The Brief

Picking the next insurance commissioner could be one of the most important decisions Californians make for their wallets this election year.

They may have seen a big increase in their insurance premiums in the past couple of years. They might know someone whose homeowners policy got canceled. Or perhaps they’re trying to rebuild after last year’s deadly Los Angeles County fires.

If you’re not sure what the insurance commissioner does, here’s a rundown:

• Regulates the nation’s largest property and casualty insurance market, which includes policies for homeowners, businesses, landlords, renters and drivers. 
• Leads the Insurance Department, which reviews and approves premium rate increases. 
• Regulates life, health and workers’ compensation insurance. 

Whoever is elected to succeed Commissioner Ricardo Lara will have a long to-do list. For the past few years, insurance companies have paused writing homeowner policies or reduced their presence in California. That’s starting to change because of industry-friendly regulations Lara put in place, but premiums are still rising and the market cannot be described as healthy yet.

The L.A.-area fires last year highlighted other problems, such as homeowners dealing with insurers delaying or denying claims, discovering they were underinsured, or finding out there are no standards for smoke-damage claims. Frustrated fire survivors called for Lara to step down.

In a recent poll commissioned by the Insurance Fairness Project, a national insurance information hub, 62% of likely voters said they are very concerned about the cost of home insurance and 43% said they are not confident at all that California’s insurance system can withstand future extreme weather disasters.

Former insurance commissioner John Garamendi, who held the position two separate times and is now a U.S. congressmember, calls the commissioner job the second-hardest in the state behind the governor. Another former commissioner, Dave Jones, said the next commissioner needs to keep a closer eye on insurance companies and regularly examine their conduct, creating “clear enforcement triggers.” He worked on a blueprint with recommendations galore for Lara’s successor.

About a dozen candidates are officially vying for the position, though not all of them have active campaigns. The two who receive the most votes in June’s primary will move on to the November ballot.

CalMatters interviewed the five candidates who have raised the most money for their campaigns.

All of them are calling for more transparency and accountability from insurance companies within the law that governs insurance in the state, Proposition 103. They want to help reduce fire risk at the individual and community level. Most of them agree California should try to hold the fossil-fuel industry accountable for climate risks that are helping drive up insurance costs.

They want to reduce Californians’ dependence on the FAIR Plan, the insurer that’s mandated to sell fire insurance to those who can’t buy it from individual insurance companies. At the end of 2025, the plan had nearly 650,000 noncommercial dwelling policies, up from about 264,000 in 2022.

Here is how each candidate, in alphabetical order, plans to tackle the challenges.

Ben Allen

State Sen. Ben Allen.

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Photo via the California State Senate

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Last year’s massive fires in the L.A. area hit the senator’s district. Along with other insurance-related bills, Allen has introduced legislation that would give the commissioner more power to hold insurance companies accountable. After hearing from his constituents about the department’s handling of their problems after the fires, he wants to boost the number of staff handling consumer complaints and create a consumer advocate position in the insurance department, he told CalMatters.

Allen, a Democrat, would take a more comprehensive approach to risk reduction, including by creating funding sources such as state-backed loans for hardening homes, and by bringing together insurers, builders, local governments, firefighters and the state to work on solutions. As part of reducing risk, he wants to restrict new construction in high-risk zones, saying developers who are building in such areas are “basically freeloading off the rest of us.” He also wants to “carefully and sensitively” find a way to incentivize those already living in risky areas to move elsewhere.

The senator — a lawyer who will be termed out of the Legislature, where he has worked on environmental issues — said his eyes are wide open about how tough the job would be, but believes he has and can create the relationships needed, including with an incoming governor, to address the issues. On the role of intervenors, members of the public who can challenge insurers’ rate reviews, he indicated he needed to look into it further and that they shouldn’t be slowing down rate reviews — adopting a refrain by the current commissioner, who is seeking to reduce intervenors’ power.

He has received the most endorsements from the who’s-who of state politics, including Senate President Pro Tem Monique Limón and Assembly Speaker Robert Rivas, both U.S. senators from California, Adam Schiff and Alex Padilla, and more than two dozen state lawmakers. Jones, the former commissioner, also endorsed him.

Steven Bradford

Steven Bradford.

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Photo via the California State Senate Archive

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The former Southern California senator and assemblymember would establish a public-private partnership that would share risk with insurers to keep them in the state. What that would look like needs more exploration, Bradford told CalMatters.

The Democrat, a former executive at the utility company Southern California Edison, would invite insurance companies “to the table” when discussing land use and planning, and support a voluntary buyout program to encourage people to move away from high-risk areas.

He said funding could come from expanding an existing program in the insurance department called the California Organized Investment Network, which is backed by the insurance industry and invests in underserved communities, environmentally friendly and affordable housing projects, and more. Insurers’ investments in the program have grown from tens of millions of dollars to more than $1 billion in 2023, according to the commissioner’s annual report in 2024.

Bradford would push insurers for clear explanations when they raise rates, saying it won’t be easy but that because the state’s insurance market is so big, it “would behoove them to do what they can to be partners with California.”

He is endorsed by U.S. Reps. Adam Gray and Luz Rivas, state Treasurer Fiona Ma and Secretary of State Shirley Weber, plus Teamsters California, State Building and Construction Trades Council of California and other labor groups.

Merritt Farren

Merritt Farren.

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Photo courtesy of Merritt Farren’s campaign

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The Pacific Palisades home of the former Amazon and Disney executive was destroyed in last year’s fires. He became an intervenor and pushed for more information on State Farm’s request to raise its rates as a result of the fires, which led to his campaign for commissioner.

Farren, a Republican, would create CAL Reinsure so the state could provide a backstop for insurers. The entity would be funded by a fee charged by insurers and would eliminate the need for the FAIR Plan because companies would be more inclined to write policies, he told CalMatters. The authority could issue bonds that could be sold in the commercial market, and would be backed by the state, like municipal bonds.

He would want to “revamp” regulations that get in the way of allowing new insurance products in the market, saying that he wishes insurers had a premium product that charged customers more but would “pay out immediately on loss without putting them through the drama and trauma they have to go through today.”

Farren said he sees the commissioner’s job as one of consumer advocacy, and invoked his days at Amazon, where he says the motto was to be the most customer-centric company in the world. “You can be a consumer advocate and still appreciate the fact that there will be no insurance for consumers without insurance companies,” he said.

Jane Kim

Jane Kim.

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Photo via Jane Kim’s campaign

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The lawyer, consumer advocate and former San Francisco supervisor told CalMatters that the commissioner’s office has been “under-leveraged” and has the levers to protect people from the powerful insurance industry.

Kim, a Democrat and head of the California Working Families Party, has three main proposals around more government involvement, the main one to create “natural disaster insurance for all.” It would be funded by a portion of policyholder premiums that insurance companies would pass along to the state. The state would manage the fund, which would guarantee fire and flood coverage. Insurance companies would continue to provide coverage for other risks. It’s not her idea — New Zealand has the same system, and it allows the country to invest the premiums in preventive measures, she said. Establishing such a system in California could allow the state to invest profit from premiums that would have gone to insurers’ shareholders in its communities instead, she said.

She would establish a public option for auto insurance by expanding eligibility for an existing program that provides low-cost insurance to drivers who make less than $38,000 a year.

Kim also wants to provide Medicare for kids. She believes California should centralize all insurance authority within the insurance department instead of having managed health care handled by the Managed Health Care Department.

She acknowledges that her biggest ideas are for the long term and will require her to win over naysayers.

“I’ve heard it — ‘She doesn’t know anything,’ ” Kim said. “We’re all so tired of seeing candidates that don’t have political courage.”

Kim is endorsed by some big names, including U.S. Sen. Bernie Sanders of Vermont — she was California political director for his presidential campaign in 2020 — Ro Khanna, the Silicon Valley congressmember, and unions such as SEIU California, the California Teachers Association and the UFCW Western States Council.

Patrick Wolff

Patrick Wolff.

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Photo via the Patrick Wolff campaign website

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The financial analyst, a Democrat who lives in San Francisco and has never held public office, obtained an insurance license ahead of his run for commissioner. Wolff told CalMatters that he has invested his own money in his campaign — $600,000, according to campaign finance records — and simply wants to help fix the problems he sees in the insurance market. “It would be the honor of my lifetime if I can do this job and really do this job well,” he said.

Wolff would create a report card that would grade how insurers handle claims based on existing market conduct annual surveys of insurance companies, which is now anonymized but which he would push to be identifiable. He said that would let the insurance department help customers decide which insurers to reward or punish for their behavior.

He would consider allowing auto insurers to use telematics, which companies use in other states to track driver behavior for underwriting purposes. He said it could help for more accurate underwriting and possibly even lower auto insurance premiums, but acknowledged privacy concerns around the technology and said insurance companies should be prohibited from sharing or selling driver information.

Wolff would roll out a dashboard that would disclose complaints about providers of life insurance. The insurance department is not making that data public, and he doesn’t see why not, he said.

This article was originally published on CalMatters and was republished under the Creative Commons Attribution-NonCommercial-NoDerivatives license.

The 2026 World Cup has ended — after almost six weeks, 104 matches and games spread across three countries: the United States, Canada and Mexico.

Spain is the World Cup champion again, defeating the defending champion Argentina to claim its second title. With the win, Spain holds World Cup titles for both the men's and women's national teams — a first.

Here are the moments that stood out to NPR's team of journalists who covered the tournament:

All the drama before the tournament, and just pure enjoyment once underway

For the most part, the 2026 World Cup was a smooth, fun and safe one.

Sure, the mandatory hydration breaks added for all games (including those in domed stadiums with air conditioning) and a first-ever halftime show in the final were maddening for the soccer purists. But, still, the U.S., Mexico and Canada put on a great show for the world — with record viewership and attendance.

And, wow, were people treated to some remarkable soccer games. Let's not forget the hand-wringing when the announcement was made about expanding the number of countries from 32 to 48. "The quality of play will be poor! There will be blowouts! It just won't be as fun!" And then we all saw what actually happened.
Those World Cup debutants — or those that hadn't been in decades — were just delightful. Scotland (and their wonderful fans), anyone? People from other countries enjoying and exploring the U.S. and posting the absolute best social media videos about it. And what about African countries powering into the knockout rounds? Soccer at its best.
— Russell Lewis

During the World Cup round of 32 match between the United States and Bosnia-Herzegovina, fans of the U.S. roared and cheered throughout in Santa Clara, Calif. The Americans won 2-0 on July 1 to advance to the round of 16 against Belgium.

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Charlotte Wilson

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The enthusiasm for the U.S. team is hopefully the start of something

I've been to a lot of sporting events, but I'm not sure I've heard a crowd pop like in Seattle when forward Folarin Balogun forced an own goal when the U.S. faced Australia, or like in Santa Clara, Calif., when midfielder Malik Tillman hit the free kick to put the U.S. up 2-0 despite being shorthanded after the Balogun red card.

It's been a joy to see children all over the country, from L.A. to Kansas City to Atlanta to New York, wearing the team's red-and-white striped jerseys. I had friends and family who never normally watch the sport text me during the U.S. games.

Look, I'm not naive. The U.S. still has a long way to go to match the passion of, say, Argentina when it comes to our national soccer teams. But compared to the tiny crowds at other friendlies I've attended, or getting outnumbered by Mexico fans in the Gold Cup final in Houston, this was a great start.

And I'm hopeful that come the next CONCACAF Nations League, which begins this fall, or even the possible Copa América that might be on deck here in the States in 2028, the passion will linger long enough that this story might change.
— Becky Sullivan

The Cape Verde-Argentina game

Cape Verde was an exciting team to watch in this tournament. The narrative was that they came out of nowhere, which is not quite true: yes, this was their first time qualifying for a World Cup, but in African tournaments, Cape Verde has been playing amazing soccer for years.
As someone who follows soccer closely, I think African soccer is having a moment, and we may see it come to full bloom in the 2030 World Cup (hosted in part by Morocco). Vozinha, Cape Verde's extraordinary goalie, was one of the breakout stars of this cup at age 40.

On the other hand, Argentina is a relentless team; they were the defending champions. They have Lionel Messi, a living legend. The game, played in Miami, was a nail-biter: until the last moment, no one knew how it would end.

The fans were wild (there was a moment in the press box when the stadium was shaking so hard, a local journalist turned to me and said, "It never shakes like this." I will never forget that game.
— Jasmine Garsd

Argentina's forward Lionel Messi reacts during the 2026 World Cup final loss against Spain. This is likely Messi's final World Cup game.

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Patricia de Melo Moreira

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AFP via Getty Images

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The Argentina team working to decrease cardiac health globally

As someone who has followed the Argentina team for decades, this is nothing new: It is a team notorious for being slow starters, as if they needed to be up against the wall to find their motivation.

They started off the last World Cup, in 2022, with a shocking loss to Saudi Arabia, and then, just as everyone had discounted them, they went on to win the entire tournament.

The matches in this year's World Cup followed a similar pattern: Like against Cape Verde, Argentina seeming to be on standby during the first half, then coming to life in the second.

Another example was Argentina-England, and yet another heart attack special. Argentina seemed to be getting its bearings in the first half of the game. It wasn't until after the 55th minute, when England scored a goal, that Argentina began to awaken and put up a fight. They equalized in the 85th minute, and then scored again in stoppage time to win and advance to the final.

Argentina played the same way in the final, but unlike the previous games, could not find a way to bounce back.

— Jasmine Garsd

Unfortunately, the high ticket prices were justified

From the moment FIFA released the first tickets, our eyes collectively popped at the price of the tickets — what a cash grab! Hundreds of dollars for the seemingly low-demand group stage games, $1,000 or more for each U.S. game, and thousands for Sunday's final.

But the fears of half-empty stadiums, of empty hotels, or visitors turned off by the high prices, never quite came to fruition. I'm sad to report it turns out FIFA was onto something. It turns out the World Cup is very fun and very cool, and many people are willing to pay those prices, whether diehard fans traveling from overseas or curious locals who wanted the experience.

Soccer has long hung its hat on being the most accessible sport to play — all you need is a ball! — but a $10,000 entry price to the final, and hundreds for the cheapest games, are the latest proof that's changing.

— Becky Sullivan

France's forward Kylian Mbappé celebrates scoring a goal against Sweden in a round of 32 match. Mbappé finished the tournament as the Golden Boot winner with 10 goals, increasing his overall World Cup total to 22, the most all-time.

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Angela Weiss

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AFP via Getty Images

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Kylian Mbappé's unbelievable speed

It's one thing to watch him play on TV, but when you see him in person, you really understand just how fast French captain Kylian Mbappé is.

I did a little digging after the France-Morocco game near Boston, and found that Mbappé's fastest recorded sprint on a pitch was faster than Jamaican Olympic gold medalist Usain Bolt's average set in his 100m World Record in 2009.

Mbappé's speed was 23.6 miles per hour, recorded in a 2019 match between Paris Saint-Germain and AS Monaco. And that speed helped him win yet another Golden Boot award. His 10 goals were the most in the tournament, increasing his overall World Cup total to 22, the most all-time.

— Jasmine Garsd

The much-hated VAR

VAR, or video assistant referee, was first introduced at the World Cup in 2018. At the time, fans and teams appreciated it as a way to correct the occasional referee error or missed call. Fast-forward to 2026, and VAR is ubiquitous in almost every game.
At times, the decisions have been accused of being ludicrous: a Colombian goal against Portugal annulled because a toenail was found offside by the VAR.
An Iranian goal against Belgium was wiped away because the striker's butt was offside. There have also been controversial VAR calls, like the questionable foul that led to an Egyptian goal against Argentina being annulled. Argentina won that game and Egypt got knocked out.

Fans also say it's slowing down the game and putting a damper on goal celebrations, lest the great VAR take the moment away.

— Jasmine Garsd

The continued politicizing of the Cup

It's nothing new: The 2018 Russia World Cup was rife with accusations of sportswashing of human rights abuses and FIFA corruption. The 2022 Qatar World Cup faced similar criticism.

During this World Cup, there were critiques of the U.S. government's immigration policy as tens of thousands of foreign tourists tried to enter the country. The U.S.-led war against Iran trickled onto the soccer field, too.

Iran's soccer team had planned to base its training camp in Arizona. But it moved to Tijuana, Mexico, amid security fears and other worries. Then, the U.S. government only allowed Iran's team to enter the country a single day (and, later, two days) before each game, and the team had to depart immediately afterward.

And, of course, the prohibitive cost of tickets, and President Trump's involvement in the tournament. He only attended one game, the final between Argentina and Spain, and was booed. There were also conversations about various teams and their colonial histories.

— Jasmine Garsd

FIFA President Gianni Infantino (L) and President Donald Trump arrive for the final ceremony after the 2026 World Cup final won by Spain over Argentina in East Rutherford, N.J. on July 19, 2026.

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Odd Andersen

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AFP via Getty Images

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Trump's call to Infantino was an uncomfortable new frontier

The White House's involvement with the red card given to Balogun, the U.S. striker, was an uncomfortable new frontier for U.S. national teams.

It wasn't a surprise, exactly — President Trump has often used sports as a way to score political points. But it was extraordinary for Trump to personally call FIFA president Gianni Infantino to ask for the red card to be reviewed.

Whether his call made a difference in FIFA's decision to allow Balogun to play — FIFA insists it did not — the optics were terrible, and for many fans, it dimmed a summer's worth of enthusiasm for the team.
For days after Trump confirmed reports of his call to Infantino, U.S. Soccer remained silent on the president's involvement. That silence left some fans feeling as though the organization welcomed the White House's intervention.

Then, when asked about it last week — after plenty of time had passed to issue a statement — the head of U.S. Soccer essentially shrugged.

"The president is able to do what the president wants to do. The president is the president of the United States," U.S. Soccer CEO J.T. Batson said. "Obviously we're incredibly grateful for all the support for all of our fans all across the country, wherever they are. And we're excited about that, and we know that that'll pay dividends going forward."

— Becky Sullivan

Fans react at a bar in New York as the USA scores to make it 4-1 against Paraguay in a World Cup group match.

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Adam Gray

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The World Cup that sparkled and thrilled 

This is the fourth World Cup that I've covered for NPR, and, unlike at the Olympics, the pride in one's country at the World Cup is always so striking.

Fans — young and old — attend the games or show up in the host cities to be around others to cheer on their team. The passion, the fervor and just the sheer love of home.

Seeing tens of thousands of fans in a stadium, a bar, or a watch party and watching them will their country forward believing that anything is possible on the pitch. And sometimes the fans aren't even from any of the countries playing that day.

Soccer is a global sport and a global love. It truly is a treat to see in person.
— Russell Lewis

Want more fútbol in the United States? Major League Soccer has just resumed its season, and is working to capitalize on World Cup fever in the U.S.

NWSL, the National Women's Soccer League and USL Championship are also underway. And the number-two-ranked U.S. Women's National Team is back in action this fall with a pair of tune-up matches against No. 1 Spain — ahead of next year's Women's World Cup in Brazil.
Copyright 2026 NPR

In one big way, Gov. Gavin Newsom is tougher on public employee unions than his Republican counterpart in Texas: Making state workers show up in the office.

After facing strong opposition from workers, it took Texas Gov. Greg Abbott three months to reverse his 2025 ban on remote work for state employees. But Newsom, whose return-to-office mandate has been in effect since July 1, shows no signs of backing down.

It’s a stance that has upset — and at times befuddled — some state workers who are calling for the governor to scrap the four-day-a-week in-office policy as they hammer out new labor agreements.

Typically, they’re allies to the Democratic governor. They helped him fight off a recall in 2021, and they encouraged their members to vote for him against his Republican opponents.

More importantly to them, they maintain they’re just as effective at home, which they say they proved when Newsom ordered them to work from home during the COVID-19 pandemic.

“It’s confusing to people when they think that they’ve done a great job to be told, ‘Well we don’t think it’s good enough and you should incur going back into the office,’” said D’Arcy McLeod, chairperson of the Professional Engineers in California Government’s bargaining team.

Roughly 108,000 of California’s more than 245,900 state employees are affected by the mandate, according to the state human resources department. The others generally already are required to work at a specific location five days a week, including prison, firefighting, law enforcement, and custodial employees.

Service Employees International Union Local 1000, California’s largest state worker union, represents 96,000 employees and is in contract negotiations. It argues that remote work saves taxpayers and employees money, reduces traffic and lowers emissions — all without affecting productivity.

Newsom’s mandate allows exemptions on a case-by-case basis, including for those who live 50 miles or farther from their worksite, or who conduct work outside the office, such as telehealth providers and inspectors. Public transportation costs for commuting are also reimbursable.

But that isn’t enough for SEIU, which in May filed an unfair labor practices complaint with the California Public Employment Relations Board. It also threw its support behind a bill that would give state agencies more authority to shape their hybrid work policies.

“A blanket mandate does not work for all the jobs that our workers do,” said Anica Walls, the union’s president. “Let the departments decide.”

California exceptionalism?

States have taken different approaches to calling workers back to the office since the pandemic. Republican-led Nevada and Democratic-led New Mexico require state employees to be in the office five days a week, for example. Utah with a Republican governor wants them at the office twice a week.

But Newsom’s blanket policy appears to be an outlier among other blue states with robust public employee unions: Colorado, Hawaii, Illinois, Massachusetts, New York, Oregon and Washington state still embrace remote work in some capacity. It also differs from Texas, a Republican-led state that Newsom has contrasted with California.

A few months after President Donald Trump began his second term and called for federal employees to return to the office, Abbott banned remote work for Texas state employees. But following a multi-agency survey that found that telework did not curb productivity and helped reduce turnover, Abbott walked back the move.

Newsom “is a man who has talked about the importance of innovation, wrote an entire book about government adapting to technology and providing services in a more cost-effective way,” said Ted Toppin, the executive director of the engineers union.

“It strikes me as interesting and ironic that Texas would have a more modern, flexible and efficient take on state employee telework.”

Despite a state audit that concluded that telework could save California as much as $225 million a year, Newsom moved forward with his March 2025 executive order directing workers back into the office at least four days a week.

In May during a state budget presentation, Newsom told reporters that he is “empathetic to change,” but that returning to the office helps build a sense of community. The governor has also contended that in-person work fosters collaboration, accountability and helps boost small businesses.

McLeod said he’s surprised Newsom remains resolute to the mandate even after the audit found that remote work proved successful during and after the pandemic.

“Every single Newsom appointed official that testified for the state auditor indicated that … the work that was being delivered during telework was substantially of higher quality and more efficient,” said McLeod of the engineers union.

The CalPERS Sacramento Regional Office in downtown Sacramento on July 15, 2026. Photo by Miguel Gutierrez Jr., CalMatters

What unions wanted from Newsom

In some ways the rift echoes labor disputes from California’s last two governors.

Republican Gov. Arnold Schwarzenegger came out swinging against public employees with unsuccessful ballot measures that were designed to cut their influence. He later imposed unpaid furloughs on public employees during the Great Recession.

Then Democratic Gov. Jerry Brown battled with unions over pensions, passing a law that curbed retirement benefits and required workers to chip in more for their benefits. He had a reputation for being stingy with raises, too.

Public employee unions were optimistic about Newsom. He offered concessions when he asked workers for temporary pay reductions during the pandemic, gave one-time bonuses to many employees and negotiated contracts that often included goodies for workers in hard-to-fill positions even if the deals didn’t please everyone.

Then came the fight over returning to the office.

Besides union leaders, Newsom’s steadfast commitment to in-person work has baffled Steve Maviglio, a Democratic political consultant who has worked with public employee unions on pension issues. For Newsom, a Democratic politician who is likely eyeing a bid for the presidency, “it’s political malpractice to come across as anti-labor,” said Maviglio.

“The only thing you’ll be able to say is that ‘I stood up to state workers,’ which isn’t particularly helpful in a Democratic primary where labor is the key constituency nationwide for Democrats.”

But for Will Swaim, chief executive of the libertarian think tank California Policy Center, Newsom’s fight with the unions signals something larger than remote work. Rather, it is a “policy disagreement that has turned into a foundational challenge to democracy,” said Swaim.

SEIU 1000 has donated at least $2 million to current members of the Legislature, according to the CalMatters Digital Democracy database. In addition to its contract, the union is pushing for more flexible telework policies through a legislative proposal currently in the state Senate.

Through its campaign donations and labor talks, SEIU is attempting to wrest control from Newsom, a publicly elected official, over who gets to shape policies over government work, according to Swaim.

“That’s simply undemocratic,” said Swaim. “I don’t know anybody out there who believes that in their jobs they could tell their boss, ‘I’m not coming to the office, no matter what you want.’ It just doesn’t fly.”

But bosses should work to accommodate current employees, according to SEIU president Walls — especially if they have presumably bigger ambitions to oversee even more workers.

“As a state employee I would have trouble voting for someone who would be the boss of federal employees when I know he hasn’t shown to be a stellar employer to state employees,” said Walls.

This article was originally published on CalMatters and was republished under the Creative Commons Attribution-NonCommercial-NoDerivatives license.

Picture a gigantic, greasy, fried tiramisu. Layers of cream, espresso and lady fingers are deep fried in a thick, sweet batter before being sprinkled with cocoa powder.

This unique treat can only be found right now at the Orange County Fair.

The fair runs through Aug. 16 and in addition to pig races, carnival rides and outdoor music, the big draw is the food — carefully curated creations that test the limits of what’s typical. This year is no different. I was there on opening day, and here’s what I tried:

What’s new at the fair this year, and where you can find it:

One of my favorite new items was the Croffle from Mom's Bakeshoppe. This treat was sweet and refreshing with the cold ice cream.

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Joshua Letona

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• The Chocolate Chip Croffle from Mom's Bakeshoppe is a must if you like sweet treats. It’s a cross between a buttery croissant and crispy waffle. Then it’s adorned with vanilla ice cream, chocolate chips, whipped cream and a caramel drizzle. This creation made its way to the States from South Korea, where it’s a beloved street food. 
  
• A French onion bun is an OC Fair exclusive from Ten Pound Buns, which bills itself as the king of cheese breads. The French onion bun combines gooey melted cheese and caramelized onions on a crispy piece of bread. Everything at their stand is made to order, and the portion sizes are very shareable! 

I love peanut butter and jelly sandwiches, but had never taken it to this level before. Highly recommend.

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Joshua Letona

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LAist

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• The Peanut Butter and Jelly Bacon Cheeseburger from the Philly Cheesesteak stand did not disappoint. Don’t be alarmed by this strange sweet and savory combo; the flavors balance each other out perfectly. The burger comes with crispy bacon, cheese, lettuce, tomato and pickles on top of a beef patty smothered in jelly and peanut butter.  

What else is on the menu?

As a born-and-raised Nebraskan, this was my first time at the OC Fair, and I felt like I needed to try some classics. So, I headed to the OG at the OC Fair, Chicken Charlie’s.

They've been at the OC Fair for 30 years now, and are known for classics like the deep-fried Oreos and new eye-popping inventions. Some of their new concoctions this year include: A fried mangonada — which features fresh mango battered, deep fried and topped with chamoy, lime and Tajin. There's also a Shawarma fry cone, Parmesan garlic fry cone and the fried tiramisu I mentioned.

The treats I tried ranged from $10 and $15 each, but there are some deals to be had. Chicken Charlie’s is offering a $30 anniversary meal deal that includes an entrée, fries, fried Oreos and a drink.

“I love being at the fair,” Charlie Boghosian, creator and owner of Chicken Charlie’s, told me. “I love creating new things, because I think frying is an art.”

Profound words from the person who created items like fried Kool-Aid, bacon-wrapped pickles and a Krispy Kreme chicken sandwich.

More new fair creations and where you can find them at the fair this year:

• Street Corn Baked Potato (Corn Star & Baked Potato Club)
• Chili Mac 'n' Cheese Baked Potato (Corn Star & Baked Potato Club)
• Street Corn Fries (Corn Star & Baked Potato Club)
• Tot-Zilla (Corn Star & Baked Potato Club)
• Vegetarian Broc-Star Potato with broccoli (Corn Star & Baked Potato Club)
• Dutch Fries with black truffle mayo (Biggy's)
• Dubai Deep-Fried Oreo (Fried Affair)
• Porkapalooza Pizza (Enzo's Pizza)
• Korean Corn Dogs and Cheese Sticks rolled in Takis or buldak ramen (Mustard's)
• Chupacabra Tasti Chips (Tasti Chips)
• Candied drinks dirty beverages (Sugar Puff Candy)
• Gluten-free Cheese Curds (Tasti Burger)
• Loaded Tater Kegs (Tasti Burger)
• Pizza Bacon Bombs and Bacon-Wrapped Churro (Bacon Nation)
• Lord of the Rings Dog (Pink's)
• Freeze-dried candy beverages and Candy Blast gummies (Sugar Puff Candy)
• Gooey Maple Butter Popcorn Cone (Planet Popcorn)